DATAIR Employee Benefit Systems, Inc.

Retirement Plan Consultant
The MandMarblestone Group, llc
in PA

Expeditor
My Benefits, LLC & First Party Administrator, LLC
in FL, GA

Distribution Specialist
My Benefits, LLC & First Party Administrator, LLC
in FL, GA

Junior Plan Administrator
My Benefits, LLC & First Party Administrator, LLC
in FL, GA

401(k) Plan Administrator
Alliance Pension Consultants, LLC
in IL

Assistant Employee Benefits Administrator
The National Bank & Trust Company
in IL

Benefits & Retirement Plans Administrator
CPEhr
in CA

Pension Field Service Rep
Nationwide
in FL

Peer Reviewer
Acuff & Associates, Inc.
in ANY STATE, TN

Accounting Supervisor
Zenith American Solutions
in MN

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Revolving Door: Rehired Employees
RECORDED
(ASPPA [American Society of Pension Professionals & Actuaries])

fi360 Fiduciary Talk: Robo Advice and the Fiduciary Duty of Due Care
RECORDED
(fi360)

Cadillac Tax Part I: Fight the Future (2018)
December 3, 2015 WEBCAST
(ABD Insurance & Financial Services)

View All Webcasts and Conferences

The Best and the Worst of 401(k) Plan Design Elements
"How to handle loans ... 'Instant eligibility' rollover option ... Offering a ROTH option ... The company match -- best practices ... The new standard: auto-enrollment/auto-escalation ... Investment change window forever open ... Removing the money market option ... Number of menu options ... 'Targeted' managed options ... A category-based tiered menu option ... The folly of self-directed menu options ... Focusing on retirement readiness." (Fiduciary News)  

[Advert.]

The ERISA Outline Book: an invaluable resource for retirement plan business.

Both a reference book and a study guide on qualified plans, the ERISA Outline Book is now available in a special online edition, constantly updated to reflect the very latest developments. Search, take notes and bookmark content.

The Tech Giant Way to Do 401(k)
"Auto-enroll? Nope. Custom TDFs? Wrong again. To build one of the best defined contribution plans in America, Microsoft tossed conventional wisdom in favor of hard data." (Chief Investment Officer)  

Seven Signs of a Successful 401(k)
"[1] Reasonable cost.... [2] Participation: I'm in the plan! ... [3] Participation: Not only am I in the plan, but I am contributing! ... [4] New employees roll money into the plan, departing employees leave their balances.... [5] Employees 'Get' the plan.... [6] The fund line-up has a home for everyone.... [7] The leaders in your company talk about the plan." (Lawton Retirement Plan Consultants)  

Flat-Rate PBGC Premium to Jump 12% for 2016
"Premiums paid by defined benefit plan sponsors to the [PBGC] will rise to $64 per person for plan years beginning in 2016, up from a 2015 rate of $57 ... Underfunded single-employer plans will see variable-rate premiums increase to $30 from $24 per $1,000 of unfunded vested benefits.... Multiemployer plan premiums, which were not affected by the 2013 budget act, will increase to $27 from $26 in 2015[.]" (Pensions & Investments)  

Retirement Plans' Fees and Expenses Face Increasing Scrutiny from Participants and Their Attorneys
"Workers are becoming much savvier about investigating fees and other costs associated with retirement plans governed by [ERISA].... In some parts of the country, trial lawyers even solicit participants on billboards to contact them to determine if their employer can be sued for fiduciary failures.... What is troubling is that many smaller companies ... might assume that their risk of a challenge over fees or other management issues is minimal. Such complacency would be a mistake." (Pensions & Investments)  

[Advert.]

Developing an Effective Financial Wellness Program

November 9 -- Providing worksite financial education can empower your employees to reach their financial goals and raise their financial well-being, leading to a more satisfied and engaged workforce. BenefitsLink discount.

Past and Future of Retirement
"[M]any private-sector employers will see average retirement ages rise by more than a year by 2030.... Retirement 'cues' or 'triggers' are fading due to declines in defined benefit plan and retiree medical plan sponsorship among private-sector employers. People will delay retirement due to lower retirement benefits, a structural shift to later careers, low interest rates, improving health status, and greater awareness of rising longevity in the U.S.... Rising retirement ages will cause the cost of many pension and postretirement benefit programs to fall." (Aon Hewitt)  

Guys Retire to Hang with Their Wives. And the Wives?
"The notion that 'retirement means spending time with your spouse' was one of five retirement myths the survey said it debunked. Additional debunkings were more upbeat, such as that many retirees aren't sitting around, miserably clipping coupons, but are comfortably enjoying retirement, and that many work in retirement because they want to, not because they have to.... Compared with couples, a higher percentage of singles wish they had saved more, had started saving earlier, and had planned better for retirement expenses." (Bloomberg)  

What Drives People to Retire Isn't What You Think
"82 percent of recent retirees felt they retired at the right time, and 85 percent feel retirement is the most rewarding time of their lives. In addition, 79 percent indicate that it is easier than they thought to live comfortably in retirement -- they were able to manage their savings and adapt their lifestyle based on their finances, if necessary. However, 36 percent admit they wished they had saved more, and 33 percent wished they had started saving earlier.... When asked why they are working in retirement, 61 percent of respondents indicated that 'they like what they do,' and nearly half (48 percent) added that 'feeling valued' was an important reason to continue working in retirement." (Fidelity)  

Octogenarians Give Retirement Advice
"Sixty-eight percent of retirees in their 80s say that figuring out if you have enough saved, rather than health (53%) or age (42%), should determine when to retire.... Nearly three-quarters (72%) say the earliest years of their retirement were some of their best years, 49% say the first five years were the happiest, and 24% say the first year was their favorite. Fifty-four percent say they have lived longer than they expected." (PLANSPONSOR)  

Federal Employees Would Pay More Toward Pensions Under Proposal
"Rep. Scott Rigell, R-Va., has introduced legislation that ... would apply the higher retirement contribution rates that federal employees hired in 2014 or later have to pay now to all federal workers under the Federal Employees Retirement System. For many federal employees who currently contribute 0.8 percent, that would be a 3.6 percentage point increase per paycheck." (Government Executive)  

[Opinion]

A Call to Action on the DOL Conflict of Interest Rule
"Wall Street and the insurance companies are pouring hundreds of millions of dollars at lobbying efforts, and misleading television ads, to stop this very important development. Permit me to share some stories, and some thoughts [on these points:]... The 'suitability' of a replacement annuity.... The plan sponsor: hung out to dry.... The retiree and the illiquid, mis-valued non-publicly traded REIT.... The call center employee, the inappropriate IRA rollover, and the new retiree.... The retiree, the IRA, and the variable annuity.... Economic incentives matter, and they matter a great deal.... The necessity of the fiduciary standard for providers of investment advice." (Ron Rhoades)  

[Opinion]

ESG Investing: Protecting American Pension Plan Benefits
"Life expectancy continues to grow in the U.S. -- today around 76 years for men and 81 years for women.... Considering that employee and employer contributions to pension plans start for many in their twenties, this money will have to earn returns for 40 years in order to fund a 15-year retirement. We're talking a portfolio that will exist for a half a century. Thus, a long-term view that takes account of ESG factors in order to produce high and sustainable returns is essential." (Dr. Bob Eccles, in Forbes)  

[Opinion]

2015 Global Ranking of Top Pensions
"What do the Netherlands and Denmark have in common? They have strict laws governing the pension deficits of their public and private pensions and if things go awfully wrong, these pensions are mandated by law to take action to return to solvency. This and the fact that they have long ago introduced a shared risk pension model is why these two countries have the world's best pension systems." (Pension Pulse)  

[Guidance Overview]

IRS Issues Proposed Regs to Accommodate Obergefell
"Similar to the IRS's previous guidance, the proposed regulations provide that registered domestic partnerships, civil unions and other similar relationships are not considered marriages for federal tax purposes. Also, marriages performed in a foreign jurisdiction will be recognized for federal tax purposes only if the marriage would be recognized by at least one state, possession or territory of the United States." (Proskauer's ERISA Practice Center)  

[Guidance Overview]

Beware: Discounted Stock Options Are Subject to 409A
"Many small, closely held companies, especially start-up companies, like to issue stock options to key executives and employees as both an incentive to help grow the company and as a substitute for cash compensation when they need the cash to invest in the business. At times, the owners are unaware of the requirements under [Code section 409A] as it applies to stock options and stock appreciation rights (collectively 'options' or 'stock options) and fail to appropriately determine the exercise price. At other times, they simply don't want to pay for a valuation of the business to establish the exercise price. In both instances, the tax consequences for executives and employees can be disastrous." (EisnerAmper)  

Now Available: The Retirement Income Reference Book 2015
LIMRA

ICMA-RC to Open Retirement Service Center for Washington, D.C. Employees
ICMA-RC

Benefitfocus Publishes Guide to Understanding “The Cadillac Tax”
Benefitfocus

Dentons Adds Daniel B. Lange to Employee Benefits and Executive Compensation Practice
Dentons

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